Get Your Instant Rate Quote

No Impact on Your Credit Score*

Minimum amount is $500.

Enjoy Stress-Free Financing with a Low-Rate Personal Loan

Whether you’re looking to consolidate high-interest debt, kick off a home improvement project, or make a major purchase, a low-rate personal loan is an affordable option. With a fixed rate and fixed payment, you can fund your financial need with confidence.

Benefits and Features

  • Lock in a fixed interest rate
  • No hidden or origination fees
  • No pre-payment penalty
  • No collateral required
  • Automatic payments available for your convenience
  • Make fixed monthly payments from 6-60 months
  • Borrow as little as $500 or as much as $25,000

Now, you can instantly get your personalized rate and terms to see all your loan options with estimated monthly payments—all without affecting your credit score.

Until you make the final decision to accept a rate and term, nothing reflects on your credit history that other lenders or financial institutions can see.


How It Works

Minimum amount is $500.

  • Get your rate in seconds
  • Won't affect your credit
  • Borrow up to $25,000

What our Members are saying about our Personal Loans

"Orange County's Credit Union went way above and beyond to help me with my financial problem."
Maria V., Member since 2016

*To check the rates and terms you qualify for, we conduct a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

Membership in Orange County’s Credit Union is required and available to anyone who lives or works in Orange or Riverside Counties, or the neighboring communities of Long Beach, Lakewood, Cerritos, or Signal Hill. Don't live or work in our area? You may also qualify through your employer or if your immediate family member banks with us. Ask for details. The membership fee is $5.00.

All loans are subject to application, credit qualification, and income verification and approval. Not all Members will qualify for the lowest rate. Rate is based on creditworthiness and other factors. Loans without automatic payments from a checking or savings account will be 0.25% higher. Ask for full details.

Before you apply, if you are considering debt consolidation, we encourage you to carefully consider whether consolidating your existing debt is the right choice for you. Consolidating multiple debts means you’ll have a single monthly payment, but it may not reduce or pay your debt off sooner. The payment reduction may come from a lower interest rate, a longer term, or a combination of both. By extending the loan term, you may pay more in interest over the life of the loan. By understanding how consolidating debt benefits you, you’ll be in a better position to decide if it’s the right option for you.